Definitely go ahead and ask, when you find out what they want to do for treatments, what the payment options are. I was in the middle of a medical process recently when my husband changed jobs. There were also misunderstandings between us and the (what turned out to be multiple) offices involved, which meant certain pre-approvals didn't happen. So ... out of pocket it was. Once we figured this out, and knew what to ask, folks were pretty good about working with us to make sure that payments could happen, and it was amazing how much less expensive the numbers suddenly got. I wish we hadn't had to go through the craziness ... but it taught us a lot about asking questions! Doctors and hospitals will often give significant discounts to those who are paying out of pocket, and it is definitely worth asking about. They won't usually volunteer the information, though.

Disclaimer: I am neither a doctor nor a lawyer, just a person whose insurance situation got incredibly complicated fairly quickly, and we were in the middle of treatment when it happened, so a little late to take it all back. I really do need to go update my signature stuff ... anyway, things are better now.